State First National Bank in Texarkana, Texas (TX)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 27, 1998

  • State First National Bank in Texarkana, Texas (TX)
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State First National Bank - Overview

  • General
  • FDIC Certificate #: 22695
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 471169
    Date Established: August 07, 1978
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    OTS Docket #: 11434
    FDIC's unique #: 15843
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: August 07, 1978
    Last Structure Change Effective Date: August 27, 1998
    Last Structure Change Process Date: October 06, 1998
    Last Data Update: October 06, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 2000 Richmond Road, Texarkana, TX 75503
    County: Bowie
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Dallas
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Metropolitan Statistical Area (MSA): Texarkana, TX-Texarkana, AR (#8360)
    Core Based Statistical Area (CBSA): Texarkana, TX-Texarkana, AR (#45500)
    CBSA Metro Statistical Area: Texarkana, TX-Texarkana, AR (#45500)
  • Financial Summary
  • Total assets: $189.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 80Total employees (full-time equivalent)
  • $192,526Total assets
  • $10,897Cash and due from depository institutions
  • $0Interest-bearing balances
  • $60,334Securities
  • $850Federal funds sold & reverse repurchase agreements
  • $112,187Net loans & leases
  • $1,902Loan loss allowance
  • $0Trading account assets
  • $5,090Bank premises and fixed assets
  • $32Other real estate owned
  • $667Goodwill and other intangibles
  • $0Life insurance assets
  • $2,469All other assets
  • $192,526Total liabilities and capital
  • $175,706Total liabilities
  • $174,819Total deposits
  • $152,042Interest-bearing deposits
  • $174,819Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $887All other liabilities
  • $16,820Total equity capital
  • $16,820Total bank equity capital
  • $16,820Perpetual preferred stock
  • $0Common stock
  • $166Surplus
  • $6,509Undivided profits
  • Memoranda
  • $10,145Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,616Earning assets
  • $0Long-term assets (5+ years)
  • $783Average Assets, year-to-date
  • $173,371Average Assets, quarterly
  • $22,595Volatile liabilities
  • $181,503Insider loans
  • $187,531FHLB advances
  • $19,038Loans and leases held for sale
  • $4,119Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $13,946Total unused commitments
  • $0Restructured Loans and leases
  • $120,821Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $13,130Total interest income
  • $5,895Total interest expense
  • $7,235Net interest income
  • $665Provision for loan and lease losses
  • $1,471Total noninterest income
  • $20Fiduciary activities
  • $1,168Service charges on deposit accounts
  • $0Trading account gains & fees
  • $283Additional noninterest income
  • $4,908Total noninterest expense
  • $1,964Salaries and employee benefits
  • $871Premises and equipment expense
  • $2,073Additional noninterest expense
  • $3,133Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,008Applicable income taxes
  • $2,125Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,125Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $505Sale, conversion, retirement of capital stock, net
  • $3,150Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.99%Yield on earning assets
  • 3.59%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.90%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.17%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 12.45%Return on equity (ROE)
  • -6.00%Retained earnings to average equity (YTD only)
  • 0.45%Net charge-offs to loans
  • 131.68%Credit loss provision to net charge-offs
  • 7.52%Efficiency ratio
  • 55,640Assets per employee
  • 2.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 148.24%Loss allowance to loans
  • 1.67%Loss allowance to noncurrent loans
  • 117.70%Noncurrent assets plus other real estate owned to assets
  • 0.86%Noncurrent loans to loans
  • 1.42%Net loans and leases to deposits
  • 64.17%Net loans and leases to core deposits
  • 72.02%Equity capital to assets
  • 8.74%Core capital (leverage) ratio
  • 8.46%Tier 1 risk-based capital ratio
  • 13.28%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $181,503Average earning assets
  • $17,070Average equity
  • $164,304Average loans

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